Say I have a credit card @3.99% balance transfer rate and a "GO TO RATE" of 13.40% and they want to JACK IT UP TO 22.49%...I SAY NO WAY ~ THEY CLOSE THE ACCOUNT I PAY IT OFF, THEY MAKE NO
MORE MONEY OFF ME!!!

Hmmm, it just says to respond within the time frame, otherwise I will be agreeing to arbitration and cannot ever sue them. At this point I don't foresee suing them, but one never knows........
They have already been sued and they settled big time.

Nobody else has gotten this????? C'mon, what are y'all doing about it?